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NCUA RIN: 3133-AF93 Publication ID: 2026 
Title: ●Chartering and Field of Membership  
Abstract:

The NCUA Board (Board) proposes to amend the associational common bond provisions of its chartering and field of membership (FOM) rules. The proposed FOM amendment would clarify that requiring the purchase of a product or service as a condition of membership no longer automatically bars eligibility as a recognized association. The Board does not believe such an automatic bar is required under the Federal Credit Union (FCU) Act, and a client-customer relationship as a condition of membership may still be incidental in a manner that permits an evaluation of the group’s activities and overall circumstances.

 
Agency: National Credit Union Administration(NCUA)  Priority: Substantive, Nonsignificant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: No  Unfunded Mandates: No 
EO 14192 Designation: Deregulatory 
CFR Citation: 12 CFR 701, Appendix B.     (To search for a specific CFR, visit the Code of Federal Regulations.)
Legal Authority: 12 U.S.C. 1752(5)    12 U.S.C. 1755 to 1759    12 U.S.C. 1761(a) and 1761(b)    12 U.S.C. 1766 and 1767    12 U.S.C. 1782    12 U.S.C. 1784 to 1789    15 U.S.C. 3717    15 U.S.C. 1601 et seq.    42 U.S.C. 1981    42 U.S.C. 3601 to 3610    42 U.S.C. 4311 and 4312    ...   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  04/08/2026  91 FR 17769   
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
Keisha Brooks
Attorney-Advisor
National Credit Union Administration
1775 Duke Street,
Alexandria, VA 22314
Phone:703 851-1156
Fax:703 518-6569
Email: klbrooks@ncua.gov